Call reports 2008
FIRST STATE BANK OF RED BUD — 2008
What FIRST STATE BANK OF RED BUD reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 106,996,000 | 105,148,000 | 104,079,000 | 106,063,000 |
| Total loans | 67,889,000 | 65,861,000 | 62,206,000 | 61,519,000 |
| Allowance for loan losses | 1,639,000 | 1,705,000 | 2,380,000 | 2,224,000 |
| Securities available for sale | 22,715,000 | 21,407,000 | 21,030,000 | 20,015,000 |
| Securities held to maturity | 7,331,000 | 8,155,000 | 8,158,000 | 8,420,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,252,000 | 81,324,000 | 86,170,000 | 88,157,000 |
| Interest-bearing deposits | 71,227,000 | 71,736,000 | 77,027,000 | 77,843,000 |
| Noninterest-bearing deposits | 9,025,000 | 9,588,000 | 9,143,000 | 10,314,000 |
| Equity capital | 13,586,000 | 11,607,000 | 9,450,000 | 9,438,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,459,000 | 2,835,000 | 4,212,000 | 5,435,000 |
| Interest expense | 757,000 | 1,423,000 | 2,164,000 | 2,844,000 |
| Net interest income | 702,000 | 1,412,000 | 2,048,000 | 2,591,000 |
| Noninterest income | 76,000 | 59,000 | -176,000 | -323,000 |
| Noninterest expense | 660,000 | 1,505,000 | 2,258,000 | 2,919,000 |
| Provision for loan losses | 50,000 | 1,563,000 | 4,956,000 | 5,351,000 |
| Pretax income | 68,000 | -1,567,000 | -5,291,000 | -5,952,000 |
| Income tax | 0 | 0 | -1,562,000 | -2,029,000 |
| Net income | 68,000 | -1,567,000 | -3,729,000 | -3,923,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,324,000 | 11,610,000 | 8,235,000 | 7,579,000 |
| Total capital | 14,213,000 | 12,479,000 | 9,068,000 | 8,414,000 |
| Risk-weighted assets | 70,345,000 | 68,698,000 | 65,125,000 | 65,435,000 |